LTC Bullet:  On the LTC Road Again

Friday, May 1, 2015


LTC Comment:  The “Silver Bullet” rides again after the ***news.***

*** TODAY'S LTC BULLET is sponsored by Claude Thau, a GA whose proprietary tools help advisors find clients and reduce the “Ping-Pong” in the LTCi sales process. Help clients make informed final decisions about buying LTCi in 15-20 minutes!  Gauge a client's true interest in a combo product immediately!  Change work-site LTCi sales from a series of proposal deliveries to a single interactive consultation!  Claude is the lead author of the Milliman Broker World LTCi Survey, one of Senior Market Advisor's 10 "Power People" in LTCi in 2007, a past Chair of the Center for Long-Term Care Financing. Test Claude by calling 800-999-3026, x2241 or email him at to ask questions or get references. ***

*** LTC CLIPPINGS interviews Steve Moses:

LTC Clippings:  What’s your goal with the Center’s LTC Clippings service?

Moses:  I want to free our members to spend more time at whatever makes them money and less time scouring the internet for information, data, and analysis to maintain their professional competency.

LTC Clippings:  How exactly do you do that?

Moses:  I find and read every academic or popular article, every think tank or government report, and every press release or news story about long-term care services and financing.  Then I forward only the most important ones to our Clippings subscribers electronically.

LTC Clippings:  Ugh!  Tons more email.

Moses:  No, we average no more than three per day.  Each “clipping” has a title, source, and representative quote, with a short comment by me to put it in context.  If the topic doesn’t interest you or you don’t have time, just hit “Delete.”

LTC Clippings:  How can someone give it a try?

Moses:  Contact Damon at 206-283-7036 or  All Center “Premium” members ($250 per year) are entitled to a LTC Clippings subscription.  For a limited time, we’ll add Center regular members ($150 per year) to the clippings for a one-month free trial.  Try it.  You’ll like it. ***

***  LTC CLIPPINGS EXAMPLE from last week:

4/28/2015, “Will Medicare eat the commercial health market?,” by Allison Bell, LifeHealthPRO

Quote:  “Many publicly traded health insurers are talking more about their Medicare and Medicaid plan sales these days than about their traditional commercial health insurance operations.”

LTC Comment:  This is the second clipping today focused on the growing dependency of big insurers on Medicaid and Medicare.  It looks like a trap government has laid for private industry many times before.  The snare goes like this.  Offer a very attractive publicly financed scheme, i.e. Medicare, Medicaid, managed care, etc.  Wait until the private sector buys in heavily and adapts its business plans to take full advantage.  Then when costs skyrocket, cut reimbursements, increase regulations, and leave the private companies with no choice but to cut costs and quality or get out of the business.  Caveat emptor. ***



LTC Comment:  First, let’s take a quick walk down memory lane.

Remember the Center for Long-Term Care Reform’s “Long-Term Care Consciousness Tour?”  We hit the road in an FJ Cruiser towing a 16-foot Airstream trailer bedecked with sponsors’ logos. 

During all of 2008 and the first few months of 2009, we criss-crossed the country bringing the message of rational LTC financing policy and responsible LTC planning to audiences all across the land.  In Chattanooga, Tennessee we were on all three TV networks’ local morning shows.  We spoke to LTCI producers, LTC providers, the public, and reporters at events organized by friends of the Center in each locale we visited.

Those were heady days that these links bring back to life:  LTC Bullet: An LTC Tour Retrospective; LTC Tour Slide Show; LTC Tour Media Coverage; Final LTC Tour Map

Special thanks to the LTC Consciousness Tour’s main sponsors, GoldenCare USA and American Independent Marketing, and to the many LTCI carriers, distributors and producers who made the campaign possible.

On The Road Again

This new LTC Tour will be much more low key.  On May 23, I’m hooking up the Airstream and heading north from my new home—Alpine, Texas near Big Bend National Park in far West Texas.  My rough itinerary follows.  If I’ll be passing through your area, and you’d like me to address your company, organization, or local media, just let us know by replying to this LTC Bullet.  No charge, but the Center for Long-Term Care Reform certainly won’t turn down offers of “gas money.”

I’m starting off in a part of the country that didn’t get much attention in the first LTC Tour.  From the last week of May through the first week in June, I’ll be working my way up through the panhandles of Texas, Oklahoma, and Nebraska into South Dakota arriving in Bismarck, North Dakota by early June.

In Bismarck, thanks to a gracious invitation from Gene and Pamela Schmidt of Center-corporate-member SIA Marketing, I’ll be conducting some research into the Medicaid Compliant Annuity issue and possibly doing some interviews and speaking.

Mid-June I’ll be traveling over the Great Lakes into southeastern Canada en route to New England where I’ll be doing the research described in last week’s LTC Bullet in a state still to be announced.  I’ll remain in New England through mid-July.

Around July 16, I’m heading southeast possibly for a program at the Mises Institute in Auburn, Alabama, then by the end of July back home to Alpine, Texas via the deep south.

Let’s Connect

If you’re located anywhere near that route and you’d like to stir up the conversation about long-term care planning in your town, let us know.  Maybe we can make it happen.

If you need some ideas on how to get organizations or reporters interested in an informational program on LTC planning, check out our Regional Representative’s Tool Chest here:  Feel free as well to use my professional bio here:

Paraphrasing Willy Nelson’s immortal words:  “I just can’t wait to get on the LTC road again.”